Business Banking

Small Balance Commercial / Mixed Use

Emigrant Funding Corporation (EFC) is a direct portfolio lender specializing in first mortgage financing for most types
of owner-occupied and investor-owned commercial real estate. Additionally, EFC through Emigrant Bank is a participating Small
Business Administration (SBA) Lender. EFC offers SBA 7(a) Loans and 504 Program. As a subsidiary of Emigrant Bank, a 165-year-old
New York savings institution, EFC is able to draw upon the vast resources of its parent to make sure borrowers get the funds
they need in a timely fashion.

Small Balance Commercial / Mixed Use

EFC's commercial portfolio guidelines include Purchase, Rate/Term Refinancing and Cash-Out Transactions, Full
Documentation Loan Programs and Amortization Periods up to 30 Years. EFC's full suite of programs and products provide financing
options for traditional borrowers, as well as foreign nationals, resident aliens and borrowers with low or no credit scores.

NY Market*

NJ/PA/CT Market

New England Market

Eastern Massachusetts including Boston

Florida

Southeast Florida including Miami

Southwest Florida including Tampa

*EFC's Small Business Administration (SBA) lending area

EFC maintains offices in New York (Manhattan, Long Island and Westchester), Massachusetts and Florida. In addition, EFC has Commercial Mortgage
Specialists in the field in Brooklyn, Queens, and New Jersey. Our Commercial Mortgage Specialist along with our in-house team
of underwriters, appraisers and closers, facilitate prompt decision making and processing of all loan applications.

To obtain a quote complete the Pre-Qualification Worksheet
and fax to the Mortgage Specialist in your region or email to campbellr@emigrantmortgage.com. To
learn more about EFC Small Balance Commercial / Mixed Use programs and guidelines, contact the Mortgage Specialist in the region that is most convenient for you: